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Your financial plan may address your goals related to:
– Retirement
– Asset allocation
– Education funding
– Insurance
– Long-term care
– Wealth transfer

But creating a financial plan doesn’t end there. It’s also about monitoring the progress you’re making towards your goals. To help keep you on track, your advisor will continue to meet with you on a regular basis to review your plan and discuss your current situation and evolving goals. Your advisor does the legwork and is your single point-of-contact. Our financial planning process is designed to help you make the most of your available resources – not just money – but your time as well.

Is It Right for Me?
Our biggest accomplishments often begin with a simple desire. Turning that desire into reality usually requires serious planning and commitment. This may be particularly true with your financial goals. A comprehensive financial plan can help you work toward your objectives through every stage of life.

When you work with either VIXI Bank , you won’t just have an advisor who will help you establish and continuously monitor, manage and adjust your plan. You’ll have a partner – someone who will keep an eye on tomorrow while you focus on what matters to your life today.

How To Get Started
In today’s financial marketplace, most of us have more questions than answers. Our knowledgeable financial professionals at both VIXI Bank and London Bancorp Investments, Inc. are here to help take the guesswork out of developing a comprehensive financial plan.

We can provide financial planning to help you maintain the lifestyle you desire during retirement through VIXI Bank.
Help bring clarity and confidence to your retirement planning

We help our clients navigate the complexities of retirement. Our financial professionals will work with you every step of the way to help develop and implement your retirement savings strategy. And once you reach retirement, we can help you understand and plan for your ongoing income needs.

Work with an advisor
If you have more complex financial needs, we offer comprehensive wealth management advice and services. Get personal one-on-one guidance from an advisor. Find an advisor by selecting an option on our Wealth Management page.

Retirement education
If you are looking for practical, easy-to-understand information about how to prepare for retirement, check out our RealSteps>Retirement® website. Learn how to establish goals and put a plan in place. Then help solidify your plan by working with an advisor.

The RealSteps>Retirement approach is built upon four objectives: reliable income, asset growth, asset protection, and legacy. We believe that all four cornerstones are important in every stage of your life, whether you are starting out, getting organized for retirement, or in retirement.

Cornerstones of Retirement
Reliable Income
Goal: Help create a reliable income stream.

– Estimate current monthly expenses as a starting point for your retirement needs. Try this Expense Worksheet.
– Make a list of your various income sources for retirement, such as Social Security and pension distributions.
– Create a plan for withdrawing money from your retirement savings that seeks to optimize taxable income.

Asset Growth
Goal: Take the long view and keep investing, so you’re ready for life’s major transitions. Maintain an appropriate balance of risk and return.
– Consider redirecting bonuses and pay increases to help boost retirement savings.
– Consider making catch-up contributions to your qualified savings plans after age 50.
– Analyze your asset allocation based on your risk tolerance and time horizon through retirement.

Asset Protection
Goal: Plan for unexpected events that may threaten your retirement plan. You may protect yourself with thoughtful planning and insurance.

– Review all of your insurance coverage. You may have too much of one type and not enough of another.
– Plan for the potential impact of rising health care expenses and possible long-term care needs.
– Establish an emergency fund to help cover three to six months of expenses to help avoid dipping into retirement savings.

Legacy
Goal: Establish a legacy plan that may help ensure your intentions are fulfilled.
– Review beneficiary designations on all accounts. Consider working with a legal professional to create a legal will or update your current will.
– Develop a health care directive to let your family and doctors know your medical wishes.
– Designate one or more persons as a power of attorney to act on your behalf in financial and legal matters if you are unable to make decisions.
– Consider a revocable trust for more complex personal or financial situations.

Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth.

Private Banking
We offer customized private banking strategies to help simplify your financial life.

Private Banking acts as an exclusive bank within VIXI Bank, dedicated to meeting the complex financial needs of clients. Your Private Banker will get to know your unique circumstances and can help you select the best banking services for your day-to-day borrowing and cash management needs.

A Reputation for Security, Value and Convenience
As our financial strength and sharp focus on protecting our clients’ privacy attest, VIXI Bank is redefining industry standards for security. In fact, we’ve been named the most trusted bank for protecting clients’ privacy for the fifth year in a row by Ponemon Institute. We’re committed to continually enhancing our Private Banking offerings. Clients have told us directly and through our annual client experience survey that security, value and convenience are important to them, and we’ve used these attributes to shape our enhanced value proposition to better meet their needs and exceed their expectations.

Deposit and Cash Management Products
Managing liquidity needs is easy with our deposit products, which include:
– A full range of checking and savings accounts
– Money market savings accounts with tiered interest rates
– Certificates of Deposit (CDs) with a variety of rates and terms

Customized Financing
We customize our credit products to meet the tax, liquidity and cash flow needs of every client. Options include:
– Real estate financing for primary residences or vacation homes
– Financing for special purchases
– Funding for stock option exercises
– Lines of credit secured by the value of your home or the assets in your personal trust account

Comprehensive Services for Business Needs and Nonprofits
If you own a business, our financing solutions, partner buy-in and buy-out loans, electronic payroll, tax services and equipment leasing programs can help you manage everything from day-to-day operations to succession planning.

We also offer services for nonprofit organizations. These range from a unique nonprofit checking account to assistance with managing endowments and maximizing the potential for planned giving.

Count on Convenience, 24/7 Access and Cutting-Edge Technology
We work hard to make it as easy as possible for you to do business with us. For instance, our Visa® Credit and Debit Cards are accepted worldwide. You can access your accounts 24/7 via VIXI Bank Internet Banking, Bill Pay and Mobile Banking. We’re also investing heavily in new Web and mobile banking capabilities, including Mobile Check Deposit, which enables you to deposit checks from your home or office with your iPhone or Android smartphone, scanner or all-in-one printer.